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How to Encourage Clients to Consider Additional Car Insurance Coverage
May 20, 2021
Agency

How to Encourage Clients to Consider Additional Car Insurance Coverage

One key that most clients have in common is that they want to save money. They look for the best deals and the best discounts. Unfortunately, the cheapest deal isn’t always the best one. While it’s important to offer discounts and attempt to save your clients money, it’s also important that they understand the coverages available to them and the risk they face with not carrying additional coverages. girl sitting in car holding up car keys smiling at camera

Since this is the case, one of the best ways to appeal to clients is by comparing the cost to the cost of an accident without said insurance. 

Do They Need It? 
One of the main questions that clients may have is, do they need additional coverage? Is basic coverage not enough? If your client is older with an old vehicle that would cost more to insure than to replace, you may have a hard time selling them additional coverages. 

The primary target for additional coverages typically includes young and middle-aged drivers who have money for additional coverages and are at higher risk of being in an accident. Young drivers are especially prone to car wrecks and don’t have thousands of dollars saved up to take care of related expenses. It’s important to emphasize that basic coverage will not cover everything. Liability doesn’t compensate for damages to the client’s car or medical expenses for them and their passengers. They should understand the coverage options available to them and the dangers of not carrying the coverage. 

Along with basic coverages such as comprehensive, collision and uninsured/underinsured motorist, you may also recommend: 

  • Mechanical breakdown insurance helps if the mechanical aspects of the vehicle suddenly break or are damaged in an accident. This can offer more coverage than an extended warranty. 

  • Emergency roadside assistance helps if the insured driver breaks down on the side of the road, runs out of gas, locks themselves out of the car, etc. It guarantees that the insured will receive help if they’re unable to operate the vehicle while on the road. 

  • GAP (guaranteed auto protection) covers the gap between the vehicle’s actual value and the financing balance when it comes to compensation.

 

If you have any questions regarding additional car insurance coverage, do not hesitate to reach out and contact us. 

Tags: car insurance

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